𝙵𝚒𝚗𝚊𝚗𝚌𝚒𝚊𝚕 𝙵𝚘𝚌𝚞𝚜 𝚁𝚎𝚖𝚎𝚍𝚒𝚎𝚜

Give us a call at 888-572-2242 or visit our website at www.ffremedies.com

Need help with restoring your credit scores back in to good shape? Give us a call at 888-572-2242 or visit our website at www.ffremedies.com

Enjoy the benefit of getting instant approval with loans application when you get good credit scores! Give us a call at 888-572-2242 or visit our website at www.ffremedies.com

Need help with restoring your scores back into good shape? Give us a call at 888-572-2242 or visit our website at www.ffremedies.com

With better credit scores, you won't have to worry about getting denied for loan applications! Give us a call at 888-572-2242 or visit our website at www.ffremedies.com

If you are planning to close some of your account, close the newest ones. Credit history makes up 35% of your credit score computation. Give us a call at 888-572-2242 or visit our website at www.ffremedies.com

Credit History is 35% of your credit score computation. Even one late payment can bring your scores down 30-90 points. Give us a call at 888-572-2242 or visit our website at www.ffremedies.com

PAYING OFF DEBT VS INVESTMENT

Most of us come to this crossroads in life, which with the excess money, it is advisable to pay off debt or to invest.

Joshua Kennon, an advisor on debt management is of the following view.

Debt can be categorized into two types one with a high rate of interest and the second with a lower rate of interest.

Credit cards belong to the first category, they demand a higher rate of interest, and hence when an individual has more debt in the form of credit card repayment, it is only advisable for him to go ahead and pay off the interest occurring from the credit card and not think about investment.

In the case of the second category of debt, which is a lower rate than it, it is advisable that he invests in those investments, which give higher returns.

So, there are two things that must be taken into consideration,
🔸 What is the rate of the return of investments?
🔸 What is the rate of interest of the various debts?

Only if an individual can convince himself that paying off the debt would help him to reduce some.

Give us a call at 888-572-2242 or visit our website at www.ffremedies.com

MAKE SURE THAT THE DEBT ADVICE YOU ARE GETTING IS THE MOST HELPFUL FOR YOU

👉 Debt mistakes are made constantly.

So, be aware that debt pile up can happen to you if you are not always very cautious and careful about how you spend your money and how much money you are spending.

It can all add up and turn out to be a major headache down the road for you.

Getting debt relief as early as possible is very important because if you let it consistently grow into a higher amount of debt, then all you really are doing is destroying your chances of having any sort of any stable financial future.

I am quite certain that non of you really want that, right? 🤷‍♀️

Debt can bring you down to a low level that you never thought to be possible, before now.

Your debt problems can cause you health problems, as well as marital problems too.

👉 Debt advice is very helpful and very important for anyone going through these types of struggles.

However, with that said, it is also very crucial that the debt advice you are currently receiving is most helpful and accurate.

If you are getting inaccurate debt advice then you could definitely end up in a much worse financial shape than you are currently in.

Knowing that you are seeking the most helpful type of debt advice is important, which is why it is up to you to get online and do some of your own research or search through other types of sources where you will be able to find the advice that is going to be most beneficial to you and your family.

Give us a call at 888-572-2242 or visit our website at www.ffremedies.com

HOW TO REPAY YOUR DEBTS WITH EASE?

A person opts for a loan when he doesn't have sufficient finances to meet his necessities.

Over a period of time if the debts are not repaid it leads to the accumulation of debts.

To avoid such a situation one should always repay any loans taken on time.

If calculated properly one would get to know the high rates of interest and the huge late payment fees that are associated with any loan amounts.

🔸 You should try to avoid such a situation.

But if you are already going through such a situation, the best way out is the debt consolidation loan.

The main advantage of the debt consolidation loan is the low rate of interest that is charged as compared to the very high interest that a borrower is required to pay at the huge debts.

The debt consolidation is very important because if the debt amount is not repaid on time the amount of debt keeps increasing and a person is never able to repay back the debt.

There are various debt consolidation plans that have been introduced lately to help people recover from bad credit.

So, the best way to get over a debt is to raise money to consolidate it.

Give us a call at 888-572-2242 or visit our website at www.ffremedies.com

HELPFUL TIPS FOR GETTING RID OF DEBT.

There are many different things that anyone could do to try and get rid of some of their debt problems.

Do not feel bad about your financial situation, this kind of thing happens to everybody.

Debt relief tips can help drastically, with any current problems you might be having.

It is important to get a grip on it now, before it does escalate into something much bigger and much more stressful.

So, the tips that I want to provide to you should give you some information that will get you well on your way to having a nice, less stressful life, a life that you can always enjoy.

🔸 Tip # 1. Prepare yourself a monthly budget

Not just one to look at, but one that you will actually follow month by month. Down the road, after following this budget strictly, you will slowly but surely start seeing some of the results.

If you recognize that you are definitely spending way too much money each month, try and cut corners wherever you see it possible.

🔸 Tip # 2. Don't be afraid to ask for professional help.

Some debt problems can get so drastic and severe, that not even the smartest, richest man/woman could possibly get out of on their own, without the help of a professional.

Debt can eat at you day and night, causing you problems with your marriage or relationship.

So, realizing just how severe the problem is important, this can help you seek relief that you truly need.

Give us a call at 888-572-2242 or visit our website at www.ffremedies.com

FINANCIAL SUCCESS ISN'T DIFFICULT

Financial success isn't a hard task to master.

It simply takes dedication, hard work and a little old fashion commitment.

But it also takes a little knowledge.

Too many consumers are ignoring what are financial truths.

They run up large amount of debts just to appear successful to those around them. They surround themselves with things that only make them feel better for a minute.

They ignore the fact that a debt-free and well managed financial life is a wonderful way to eliminate stress, which is all too common in today's world.

So, what do you need to do to become financially successful?

First, you need to spend less than you earn.

Sounds easy, but it really isn't. It is easier to spend less than it is to earn more.

You simply have to cut your costs.

You have to stop charging on your credit cards and you have to stop shopping.

Look closely at where your money is going.

You have to have a budget and stick with it.

Budgets don't tell you how to spend your money, they tell you how to save your money.

You easily see where your money is going. You can identify areas that you can cut back on.

You can set spending goals.

Surprise yourself with a budget that works.

If you are severely in debt, you may need to get a second job and sell some things to get a head start.

Stop using those cards and start paying them off. They are draining the life out of your finances on a daily basis.

You should be contributing to a retirement plan. Research your options and take advantage of them. Don't wait until tomorrow, it will be too late.

Start now.

Financial success isn't difficult. It is simply a habit that you have to nurture and maintain. Take the time to sit down and get started. Work on it until it becomes second nature. The more you work on it, the better you will become at it.

Give us a call at 888-572-2242 or visit our website at www.ffremedies.com

HOW MUCH MONEY SHOULD YOU SAVE FOR FINANCIAL EMERGENCIES?

Practically every financial planning and personal finance book you'll ever read advises you to start an emergency savings fund, or rainy day fund,

Some advise a fix dollar amount, others recommend saving a certain number of month's income, such as 3 to 12 months. Still, others suggest setting aside a certain number of month's living expenses.

So... With all this conflicting financial advice...

How much money should you save for financial emergencies?

Well... According to Wallace D. Wattles, author of "The Science of Getting Rich"...

if you truly want to be wealthy... None.

That's right... Absolutely none!

In an article titled "The Constructive Attitude", Wallace D. Wattles wrote:

"... do not lay up for a rainy day. If you live right, think right, and work right, there will never be a rainy day for you. If you lay up for a rainy day, you will impress the subconscious with the fear of a rainy day; with the idea of of weakness and incompetence, and so you will cause the rainy day to come."

If you stop and think about it...

He's absolutely right!

Does this mean you shouldn't keep any extra money at all?

Not at all...

In the same article, Wallace D. Wattles wrote:

"... provide a surplus, so that you may take advantage of any new opportunity..."

Once I began to build up a surplus to take advantage of new financial opportunities, instead of saving for financial emergencies, guess what happened then?

That's right...

Lo and behold...

New financial opportunities started popping up all over the place... The financial emergencies disappeared!

You see... There's a creative power within you that makes your life into the exact image of that to which you focus your attention.

Financial Opportunities!

Give us a call at 888-572-2242 or visit our website at www.ffremedies.com

HOW TO HAVE FINANCIAL PEACE?

One of the biggest contributors to personal peace is financial peace.

It is assumed that financial is only for those with endless amounts of money.

But in reality, you can be financially secure at almost any income level.

Avoiding common financial mistake is the first step.

🔸 Common mistake # 1. I'm Too Young To Settle Down

Not investing in a home or buying one too late is a mistake that more and more people are making.

🔸 Common mistake # 2. But It Was On Sale!

Accumulating debt instead of savings is the next financial error to avoid.

Unless debt can almost guarantee you a future return, such as investing in a business, education, or your home, it is best to avoid it altogether.

🔸 Common mistake # 3. Do You Accept VISA For My Mortgage Payment?

Not having any liquid savings is another area that can end up hurting you financially.

The minimum amount to be saved is 3-6 months of living expenses.

This will help to cover loss of income or medical emergencies that may arise.

🔸 Common mistake # 4. I Have Plenty Of Time To Save

Not saving for a retirement is a mistake made all too often.

If you do save, there is a good possibility it is not enough to retire on.

So, don't make or stop making those mistakes. It may take some time to change your habits and actions, but it will pay well in the long run if you do.

Give us a call at 888-572-2242 or visit our website at www.ffremedies.com

HOW TO AVOID CREDIT CARD PENALTIES?

It is a sad fact of life that credit card companies are willing and fast to slap a penalty charge on your account for every mistake.

These penalty charges can amount to millions of dollars taken from consumers each month.

They are necessary part of all credit card operations.

However, if you look at the entire situation from the point of view of the credit card company you must know that all they want from you is:

🔸 to keep your card safe,
🔸 to stay within your credit limit;
🔸 to make at least your minimum payment, on time every month.

So, if you manage to do these simple tasks you will avoid ever incurring a penalty on your account.

Taking these few simple steps can mean you are virtually never subjected to credit card penalties.

Give us a call at 888-572-2242 or visit our website at www.ffremedies.com

HOW CAN YOU AVOID CREDIT CARD FEES?

👉Credit card bills can be expensive.

You may or may not have trouble paying your credit card bills when it comes to the end of the month and the bill arrives in the mail.

No matter what your situation is however, there is always one thing you will not, under any circumstances, want to see on your monthly credit card bills.

👉 and that is the Credit Card Fee.

The good news is that many credit card fees can be avoided by simply following a few simple rules and keeping on top of your finances and bills.

The most important way to minimise the fees is to pay your bill on time and in full each month.

Generally if you do this, you will be charged no interest or finance charges at all, and will be receiving all the benefits of a credit card and over a month of credit absolutely free.

Give us a call at 888-572-2242 or visit our website at www.ffremedies.com

FINISHING COLLEGE AND FEELING CONCERNED ABOUT YOUR DEBT?

Many people and go off to college never expect to graduate and suddenly have to be terrified that they collected some big expensive debts.

Now they are responsible for paying them back.

Debt can build up before you even notice.

Student loans will cost you after you graduate from college, so being prepared is definitely where it is at and what is going to save you from tremendous heartache.

Paying back student loans can be very scary but knowing what to expect whenever that time does come is always better.

These loans can be quite substantial, to say the very least but as long as you always make your payments promptly, you will be just fine.

Creditors can be extremely pushy whenever it comes to collecting their money but avoiding them is just prolonging the inevitable.

And you know that is never going to completely fix anything for you in a positive manner.

Make sure you speak up front to the one's loaning you your money about all of the terms and conditions so that everything is completely understood.

Your future could be brighter by just taking some simple steps in planning and preparing in a more efficient manner.

Having a financial plan is always extremely crucial when determining whether or not you are going to be able to live by your means or end up struggling severely down the road because of your debt.

Make sure to start saving money during college and planning for the time whenever you do finally graduate because that is the moment of truth and the time in your life where you will be responsible for paying back any student loans that you acquired during those years.

Your debt is just that, it is your debt, nobody is going to handle things for you, so be a grown up finally and handle your finances properly.

Give us a call at 888-572-2242 or visit our website at www.ffremedies.com

THE COUNTLESS ALTERNATIVES TO CREDIT CARDS THAT YOU SHOULD KNOW

Thanks to the constant stream of credit card offers you receive in the email or through text messages few people understand that there are viable alternatives.

So, here are five of those alternatives:

👉 Debit Cards

Debit cards are just like credit cards and are accepted in most places where credit cards are accepted. The difference is that they take money directly from your bank account rather than you getting a bill at the end of the month.

👉 Prepaid Credit Cards

These cards work just like credit cards, except that you are not allowed to carry a negative balance. You deposit money into your card account before you can spend it which means that you 'top-up' the card... like you do with prepaid cellphones.

👉 Bank Overdrafts

Bank overdrafts are used in conjunction with a credit card, can be a far better way of borrowing money than using a credit card.

👉 Traditional Loans

When you plan on purchasing a single big item at a fixed price - like a car or for home improvements it's worth budgeting it all out and going to a bank or other type of lender.

👉 Credit Unions

Credit unions are like banks, only more local. They are co-operative, owned by their members and run by the community and are a great place to borrow money. So it's a solid alternative and well worth looking into if there's one in your area.

Give us a call at 888-572-2242 or visit our website at www.ffremedies.com

DID YOU KNOW THAT A MODEL OF A CREDIT CARD IN IT'S CURRENT FORM WAS FIRST INVENTED BY A FICTION WRITER IN EARLY 1887?

Edward Bellamy, author of "Looking Backward", mentions the credit card in the context of a utopian and socialist American society of the distant future.

His hero falls into a hypnotic time travelling trance and is whisked forward through the time a full century, ending up in Boston in the year 2000, a place where he is able to make purchase using a commonly held piece of plastic.

👉 Credit however evolved long before the concept of carrying it around on a piece of plastic.

Credit and debt have been the driving force behind achievements ranging from people working their way out of debt to a land-holder, etc...

The card is not cash, but a representation of cash, sometimes of resources that don't exist. The card taps into a history of human commercial interaction, created by necessity and re-imagined hundreds of times.

Give us a call at 888-572-2242 or visit our website at www.ffremedies.com

HOW TO BUILD CREDIT AFTER BANKRUPTCY?

building your credit after bankruptcy can be challenging, but with the right strategies you can still make it.

Here are three strategies you can use to increase your chances of being approved for auto loans, credit cards, and home loans if you have a bankruptcy on your credit report.

Strategy # 1

Apply for a credit where you have high probability of getting approved, and make the payments on time.

Sounds simple, but most people go about applying for credit the WRONG way and make it more difficult than it needs to be.

By the way, don't go overboard when applying for credit. The whole purpose of getting a credit card is to rebuild your credit history after bankruptcy - not get in debt up to your ears!

Strategy # 2

Another way to rebuild your credit after bankruptcy is to add years of positive credit to account.

You can literally add a number of new positive items to your credit report.

It's 100% legal but the technique is not widely known.

Strategy # 3

Of course, cleaning up inaccurate and obsolete negative information on your credit report is critical when building credit after bankruptcy.

And you don't need a credit repair company to do it.

You can do it yourself and save a few hundred dollars. Just remember that you need to know exactly what to do.

Give us a call at 888-572-2242 or visit our website at www.ffremedies.com

3 FINANCIAL HABITS THAT BUILD GOOD CREDIT.

Your credit score in some ways is meant to be a snapshot of your overall financial habits.

Good financial habits will ensure that you don't get into too much debt and that you are able to meet your financial duties easily.

So here are 3 financial habits that are especially credit friendly.

👉 Learn to budget
One of the biggest reasons that people develop poor credit is overspending.

And overspending is typically caused by a lack of budget.

A budget can tell you how much you should be spending on each item in your life. So learning to budget allows your financial life to stay nicely organized.

👉 Live within your means
If you believe that if only you have money, you would not have to worry about credit, right?

WRONG! 🙅‍♀️

In fact, many people who have money - or at least have all the trappings of money, including cars and nice homes - in fact, have terrible credit.

👉 Save
One of the best ways to ensure that your credit rating stays good is to save money each month.

Whether you are able to save $25 a month of $200 or even more, saving and investing your savings will prepare you for financial emergencies, will get you out of over spending, and will allow you to build investments that can help you in later years.

Give us a call at 888-572-2242 or visit our website at www.ffremedies.com

HOW TO START BUILDING CREDIT AND PREVENTING CREDIT REPAIR

If you want to prevent credit repair procedures, you need to keep your payments up to date.

Financial emergencies may come up 🤷‍♀️

So it is important to meet minimal payments on time.

If you are in debt over your head and have very little income and assets it might be wise to do nothing.

Sounds insane, right?

But reality is when you are taking to court most of all the collectors won't be able to collect a dime.

👉 This procedure is called "judgement proof"

There are advantages by acting on the "judgement proof", such as the Federal Laws protect you against creditors coming to your home and confiscating your belongings.

The downside is you are not resolving anything and in the long run you won't get credit.

So, it's better to pay your payments on time.

Give us a call at 888-572-2242 or visit our website at www.ffremedies.com